While insurance can sometimes cover at least part of this treatment, it can vary depending on your provider. When you're looking for treatments that can cost a few thousand dollars, payment plans can be comforting. These financing options divide that intimidating price into manageable monthly chunks. Some financing options require a credit check to qualify, while others don't.
If you don't trust your credit score, you'll want to look for one that doesn't require them. And while monthly payments are fine, they also allow interest to accrue, increasing your final cost. For this reason, it is best to pay upfront if you have financial flexibility. If your dental insurance includes orthodontic benefits, they'll likely cover part of your treatment with Invisalign.
Of course, insurance coverage varies from case to case. Sometimes, an insurer considers clear aligner treatment cosmetic and refuses to cover it. In other words, you shouldn't assume that Invisalign will be covered just because your dentist recommends that you check with your insurance provider first to make sure. If your insurance covers orthodontic treatment, treatment with Invisalign may be covered in part or in full.
For more information, visit our guide on insurance coverage for Invisalign. But you have several options to cover the cost of Invisalign, including insurance, Invisalign repayment plans, and dental loans. Here's a look at your Invisalign funding options, the costs associated with treatment, and how Invisalign differs from alternative treatment options. Most providers offer monthly payment plans for their Invisalign costs.
You'll need to talk directly to your provider about your Invisalign payment plan options. It's critical that you take the time to calculate dental insurance costs plus your out-of-pocket costs to make sure an insurance plan is worthwhile. However, if your orthodontist offers a discount for paying Invisalign in full upfront, then a personal loan may be the best option, assuming your loan rates don't exceed the discount provided. Make sure you get the details of your provider's payment plan before you choose to move forward.
The Invisalign insurance deductible and copayment limitations for certain orthodontic services are set out in the Metlife fee schedule. With this type of Invisalign funding plan, patients can split the total cost of Invisalign treatment into a series of monthly payments. It's easy to search online for your Delta Invisalign orthodontic benefits, including your network of Invisalign dentists, maximum orthodontics, annual deductibles, and percentage copayment for Invisalign coverage. Your insurance may pay a certain percentage of your treatment with Invisalign or it may pay a certain dollar amount.
Before starting a new patient with Invisalign, dentists often pay a “lab fee” to Align Tech (the makers of Invisalign). A flexible savings account, or FSA, is an account that you can use to pay for certain medical, dental, and orthodontic costs, including Invisalign clear aligners. But you don't have to pay the full amount out of pocket in one go either, most orthodontists offer a monthly Invisalign payment plan to help you with the financial burden. If your employer offers a flexible savings account (FSA) or a health savings account (HSA), you may be able to use those funds to pay for your Invisalign treatment.